Jump to content


  • Tweets

  • Posts

    • can't levy the fees then. the NOE must go to your present and correct address. no ifs or buts 
    • just to clarify matters, but once you have complained now/and asserted your rights under the act for this to be paid by 'them' FOC to you, should the vehicle again fail for anything related to the damage done by the incorrect fitting of the windscreen before you purchased then you CAN exercise your right to reject.  is the car specifically identified on the finance agreement? dx  
    • Thanks Dx    merely trying to avoid the fees added considering the circumstances.    Will ring the council tomorrow 👌
    • With 6,000 bank branches closing since 2015, Labour has announced its commitment to bringing more banking hubs to Britain's high streets.View the full article
    • you could have moved within that time in the same complex. have you this in writing - did you request a copy of the judgement CCJ AND Claimform from northants bulk?   it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge dx
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

CCA Help please- Mint/RBS Credit Card


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5520 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I am just getting going with my CCA requests in view that my wife and I can no longer support the debt we have due to my wife having an accident in work and has been off sick now for getting on for 12 months. We have been missing payments all over the place, but have managed to sort out our mortgage for a while.

 

Reading all the excellent posts on here I have CCA'd all CC companies, but have received the attached from Mint and require some advice as to the type of letter I must send to counter this response. Any help would be a great help.

 

Mint Cover Letter 20th April 2009.pdf

 

Mint Application Form.pdf

 

Mint T&Cs 1.pdf

 

Mint T&Cs 2.pdf

 

Mint T&Cs 3.pdf

 

The account was opened back in 1997 and I know that what they have sent me does not constitute an enforceable CCA, but I feel quite guilty in challenging Mint on this as they have been the only company that have accepted £1 payments for a period of 6 months which as taken a lot of pressure off and feels a little positive in view of everything else that is going on.

Link to post
Share on other sites

I don't like to disagree - but all the prescribed terms are included on the application form that you have signed.......this would make it enforceable.

 

The only issue is its legibility of the form and the fact they have not signed or dated it.

 

I would continue making those £1 token payments, and concentrate on the more problematic creditors/DCA's for now :)

Link to post
Share on other sites

I agree with clemma, the prescribed terms are on it.

 

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Thanks Clemma and IdaInFife for responding so quickly.

 

Quite surprising I have received another letter from Mint today saying that they are willing to accept a full and final.

 

Yet my wife took a nasty phone call from MBNA todayand I come home to her being quite upset as she is in a sensitive place at the moment suffering from bouts of depression. She said the guy spoke to her like dirt and as if she was a little girl.

 

I would love to get may hands on him.

 

Anyway, I didn't think that an application form constituted a valid agreement.

 

Have you both been through similar things yourself?

Link to post
Share on other sites

an application can be enforceable as long as as they prescribed terms are on it, which in this case they are.

 

to be honest, it's very rare for them to offer and reduced f and f with an enforceable cca so maybe the monkey doesnlt realise either.

 

you could send a letter of complaint regarding their actions wiht your wife and a copy to the oft.

 

I haven't been through this. Did go bankrupt years ago and wished now that i had cag then as wouldn't have and been in better position now.

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Hi Wormtail

 

The offer of an F&F does not stipulate a figure, the letter merely states that I should 'confirm an amount that I am able to offer'.

 

The letter then goes on to say that if an amount is not possible then they will accept token payments of £1 until Oct 09.

 

I gather this is unusual.

 

The more I read on this forum the more I get miffed, just read a thread on someone who had died not long after MBNA taking them to court. It has got me livid.

Link to post
Share on other sites

I too feel your anger, the credit card companies keep offering offer more and more credit untill you are trapped, i had a lot of money on cards and tried to keep switching it interest free, so my cards are relatively new.

 

Now general interest rates are low there are no more deals for me and the intrest rate that they apply is crippling.

 

The stress caused certainly can affect your health

 

Im just hoping that some of my agreements are unenforceable, even if i manage to get some written off they will still make a fortune out of me!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...